Should I invest in Tata Floating Rate Fund?

We don't give personal investment advice. Tata Floating Rate Fund -Direct Plan-Growth is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 0.6%. 5-year CAGR: 6.73%.

Tata

Tata Floating Rate Fund -Direct Plan-Growth

Latest NAV

₹13.8677

As of

17 Jul 2026

1,215 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.02%	+0.02%	+0.00	8 / 12	Q3
1W	+0.02%	+0.04%	-0.01	7 / 12	Q3
2W	+0.04%	+0.03%	+0.01	4 / 12	Q2
1M	+0.64%	+0.80%	-0.16	12 / 12	Q4
3M	+1.78%	+1.94%	-0.17	8 / 12	Q3
6M	+3.42%	+3.68%	-0.26	9 / 12	Q3
YTD	+3.33%	+3.58%	-0.26	9 / 12	Q3
1Y	+5.99%	+6.23%	-0.25	10 / 12	Q4
2Y	+7.65%	+7.79%	-0.14	9 / 12	Q3
3Y	+7.60%	+7.88%	-0.28	10 / 12	Q4
4Y	+7.47%	+7.74%	-0.26	10 / 12	Q4
5Y	+6.73%	+6.86%	-0.13	10 / 12	Q4
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+6.72%	+7.25%	-0.52	10 / 12	Q4

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	+3.33%	+3.58%	-0.26	9 / 12
2025	+8.01%	+8.03%	-0.02	8 / 12
2024	+8.19%	+8.56%	-0.37	10 / 12
2023	+7.57%	+7.74%	-0.17	8 / 12
2022	+4.92%	+4.50%	+0.41	4 / 12
2021	—	—	—	—

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+7.07%

50 windows

min 3.9% · max 9.9%

100% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+7.36%

25 windows

min 6.2% · max 8.0%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+6.73%

1 window

min 6.7% · max 6.7%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

—

Insufficient history

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

1.09%

3-year · annualised

Sharpe ratio

0.79

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.45%

Aug 2025 → Aug 2025

% positive months

100.0%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Floater Fund

Scheme	Fund house	NAV	As of
HDFC Floating Rate Debt Fund - Direct Plan - Growth Option	HDFC	₹54.5064	17 Jul 2026
Nippon India Floater Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹50.6974	17 Jul 2026
SBI Floating Rate Debt Fund - Direct Plan - Growth	SBI	₹14.3830	17 Jul 2026
ICICI Prudential Floating Interest Fund - Direct Plan - Growth	ICICI Prudential	₹498.3432	17 Jul 2026
BANDHAN FLOATER FUND - DIRECT PLAN GROWTH	Bandhan	₹14.1339	17 Jul 2026
Aditya Birla Sun Life Floating Rate Fund-Direct Plan-Growth	Aditya Birla Sun Life	₹381.8577	17 Jul 2026
Franklin India Floating Rate Fund - Direct - Growth	Franklin India	₹47.7668	17 Jul 2026
KOTAK FLOATING RATE FUND-DIRECT PLAN-GROWTH OPTION	Kotak	₹1,656.3700	17 Jul 2026
DSP Floater Fund - Direct Plan - Growth	DSP	₹14.2412	17 Jul 2026
UTI - Floater Fund - Direct Plan - Growth Option	UTI	₹1,670.1013	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹13.8677
16 Jul 2026	₹13.8650
15 Jul 2026	₹13.8562
14 Jul 2026	₹13.8476
13 Jul 2026	₹13.8681
10 Jul 2026	₹13.8647
9 Jul 2026	₹13.8513
8 Jul 2026	₹13.8467
7 Jul 2026	₹13.8632
6 Jul 2026	₹13.8665

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 17 Jul 2026, the NAV of Tata Floating Rate Fund -Direct Plan-Growth is ₹13.8677. It's a Floater Fund from Tata, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Tata Floating Rate Fund -Direct Plan-Growth has NAV history starting from 12 Jul 2021, a track record of about 5 years. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

Tata Floating Rate Fund -Direct Plan-Growth is managed by Tata. It's classified by AMFI under the 'Floater Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Tata Floating Rate Fund -Direct Plan-Growth has delivered a absolute return of 5.99% — -0.25 pp behind the Floater Fund category average of 6.23%. The fund ranks #10 of 12 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Tata Floating Rate Fund -Direct Plan-Growth has delivered a CAGR of 7.60% — -0.28 pp behind the Floater Fund category average of 7.88%. The fund ranks #10 of 12 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Tata Floating Rate Fund -Direct Plan-Growth has delivered a CAGR of 6.73% — -0.13 pp behind the Floater Fund category average of 6.86%. The fund ranks #10 of 12 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Tata Floating Rate Fund -Direct Plan-Growth exactly 5 years ago would be worth approximately ₹138,513 today — a multiplier of 1.39×, based on the 5-year CAGR of 6.73%. The category average over the same window would have grown ₹1 lakh to ₹139,328.

A ₹10,000 monthly SIP in Tata Floating Rate Fund -Direct Plan-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹721,538 today. That's an XIRR (money-weighted annualised return) of 7.31%.

Tata Floating Rate Fund -Direct Plan-Growth doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹721,538 — XIRR 7.31%.

On a 5-year basis, Tata Floating Rate Fund -Direct Plan-Growth ranks #10 out of 12 funds in the Floater Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 6.86%; this fund delivered 6.73%.

The worst peak-to-trough decline Tata Floating Rate Fund -Direct Plan-Growth has experienced over the last 5-year window is 0.57% — its NAV fell from a high on 02 May 2022 to a low on 06 May 2022. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, Tata Floating Rate Fund -Direct Plan-Growth averaged 6.73% (best 6.73%, worst 6.73%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.04 — weak risk-adjusted performance.

In calendar year 2025, Tata Floating Rate Fund -Direct Plan-Growth returned 8.01% — lagging the Floater Fund category average of 8.03% by 0.02 pp. It ranked #8 of 12 in its category that year.

Tata Floating Rate Fund -Direct Plan-Growth is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. Tata Floating Rate Fund -Direct Plan-Growth is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 0.6%. 5-year CAGR: 6.73%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.

Tata Floating Rate Fund -Direct Plan-Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Floater Fund

Recent NAVs

Frequently asked questions

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